**7. Conclusion**

Historically, Nigerian banks' service delivery has no doubt improved when compared with that in the last two decades but can be improved when compared with what her contemporaries in the developed climes have achieved. Hiccups in the areas of employees' knowledge gap of banking services and regulatory rules, technology and weak legal framework are no doubt obvious. In spite of these, the Nigerian banking industry remains vibrant among her peers in Africa. Today, banking business in Nigeria is waxing stronger as customers can transact banking request at the comfort of their rooms and offices and in transit. This is not to say that all is well with the banking service delivery in Nigeria as much is still desired to achieve global best practices in service delivery.
